St. Cloud Financial Credit Union Albertville MN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to St. Cloud Financial Credit Union - Albertville, where your financial well-being is our top priority! Located at 5600 La Centre Ave Ste 100, Albertville, MN 55301, we have been proudly serving our community since 1934. With a commitment to helping our members achieve their financial goals, we have grown to serve over 25,469 members and manage assets totaling an impressive $369,417,535. At St. Cloud Financial, we understand that banking isn't just about transactions; it's about relationships. That's why our dedicated team of 81 employees, led by CEO Jed Meyer and Board President Randy Schreifels, strives to provide personalized service tailored to meet your unique needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage solutions, we are here to support you every step of the way. While you can visit us at our branch in Albertville for all your banking needs, please note that official correspondence should be sent to the same address. Our services also include online and mobile banking options for added convenience. As a member-focused institution, we take pride in our strong financial standing with total deposits of $2,330,972 and a net worth of $27,252,381. We're dedicated to reinvesting in our community and ensuring that you receive the best rates possible on loans and deposits. Are you ready to experience the difference? Call us today at 763-777-9360 or visit our website at scfcu.org to learn more about how we can help you achieve your financial dreams!

Branch History & Mission

Modern Banking Experience

To keep up with the times, we've embraced modern technology to enhance your banking experience. With online and mobile banking options available, managing your finances has never been easier. You can access your accounts from anywhere and enjoy features like mobile payments and person-to-person transfers. Our branch also ensures accessibility for everyone by maintaining ADA compliance standards in our facilities. For those who prefer face-to-face interactions or need assistance with transactions, our drive-thru service is available during regular operating hours. We invite you to join St. Cloud Financial and become part of a cooperative that truly cares about its members. Experience firsthand how our commitment to financial well-being and community support can make a difference in your life. To learn more about membership or apply today, visit us at St. Cloud Financial or call us at 763-777-9360. Together, let's build a brighter financial future!

Our Mission

At St. Cloud Financial, our mission is straightforward yet powerful: to provide exceptional financial services while fostering a sense of community and belonging among our members. We believe that everyone deserves access to quality financial resources. That's why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. We are committed to supporting not just your financial goals but also the community we serve. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact on the lives of those around us. Our team works tirelessly to ensure that every member feels valued and heard.

Branch Location & Accessibility

Welcome to St. Cloud Financial's Albertville branch, where convenience meets community! Located at 5600 La Centre Ave Ste 100 in the heart of Albertville, MN, our branch is easily accessible for all your banking needs. Whether you're a longtime member or considering joining our credit union family, we're here to provide friendly service and support. If you need to send any official correspondence, please note that our mailing address is also 5600 La Centre Ave Ste 100, Albertville, MN 55301-4018. This ensures that your documents arrive safely and quickly. Our branch is situated near popular landmarks, making it easy to find while you go about your day. With ample parking available, accessing our services is straightforward. We take pride in our commitment to accessibility; our location features ADA-compliant entrances and ramps to ensure everyone can enjoy their banking experience without hassle. We know your time is valuable! That's why we offer convenient operating hours throughout the week. Our dedicated team is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage options, and more during these hours. Plus, for those on the go, we have an ATM on-site along with drive-thru banking for quick deposits and withdrawals. Feel free to reach out to us at 763-777-9360 if you have any questions or need assistance before your visit. We invite you to stop by and experience the friendly atmosphere at St. Cloud Financial where you're not just a member; you're part of our community!

Member Eligibility

Becoming a member of St. Cloud Financial is like stepping into a welcoming community where your financial well-being is our priority. If you live, work, or attend school in the area, or if you have a family member who is already a member, you're eligible to join us! This means that anyone connected to our vibrant community can benefit from the services and support we offer. At St. Cloud Financial, we take pride in providing personalized banking solutions tailored just for you, whether it's setting up an account or helping with loans. Opening an account is straightforward and can be done online at https://scfcu.org/apply-now. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (763) 777-9360. We invite you to visit our eligibility page at https://onlineaccounts.scfcu.org/membership/agreements for more detailed information about joining our family. We look forward to welcoming you to St. Cloud Financial, located at 5600 La Centre Ave Ste 100 Albertville Mn 55301, where you'll find not just banking services but also a supportive community ready to help you thrive!

Business Banking & Commercial Services

Financing Solutions That Work for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $86 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $34,706,929, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to lending options, we offer robust merchant services that streamline payment processing for your business. Imagine receiving payments effortlessly while focusing on what you do best running your business. Our services ensure you can handle transactions smoothly and efficiently. Visit us at 5600 La Centre Ave Ste 100, Albertville, MN 55301 or call us at 763-777-9360 to explore how we can help you take your business to the next level!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, our business banking services include merchant services and business loans designed to support growth and streamline operations. We understand the unique challenges faced by businesses today, and we're here to help navigate those waters smoothly.

Cash Withdrawal Services

Need cash? We provide easy access through our ATM services for quick withdrawals and balance checks whenever you need them. Additionally, take advantage of our basic drive-thru banking for deposits and simple transactions without leaving your vehicle. At St. Cloud Financial in Albertville, we strive to create a welcoming environment where your financial needs are met with care and expertise. If you're ready to explore how we can assist you further, please don't hesitate to contact us at 763-777-9360 or visit us at our branch location! Your financial well-being is just a call or click away!

Credit Card Options

We also offer credit cards with rewards that fit various lifestyles, allowing you to earn points on everyday purchases. This means every swipe can bring you closer to exciting rewards while keeping your spending manageable.

Digital Banking Convenience

In today's fast-paced world, managing your finances online is more important than ever. With our online and mobile banking, you can access your accounts anytime, anywhere. Pay bills, transfer funds, or check balances right from your smartphone or computer. Plus, our mobile payment options make transactions even simpler.

Mortgage Loans

Buying a home is one of the biggest decisions you'll make. At St. Cloud Financial, we simplify this process with our mortgage loans and refinancing options. Our knowledgeable staff is here to guide you through every step, ensuring you understand your choices and helping you secure the best possible rate.

Personal Banking Solutions

Our personal banking options are crafted with you in mind. We offer checking and savings accounts that help you manage your money effectively while earning interest. For those looking to make a significant purchase or consolidate existing debt, our personal loans provide flexible terms tailored to fit your budget. If you're considering buying a car, our auto loans come with competitive rates that make financing easy and affordable.

Digital & Online Banking

Enhanced Security Features

We prioritize your security, which is why we offer electronic signature authorization for certain transactions. This feature adds an extra layer of protection to your financial activities, ensuring that only you have control over important documents. Additionally, our e-statements help reduce paper clutter while keeping your information secure. You can easily access past statements whenever you need them without worrying about physical copies getting lost or stolen. At St. Cloud Financial, we believe that banking should fit into your life seamlessly. With our digital and online banking services, managing your finances has never been easier or more secure!

Key Services

With our robust online banking platform, accessible through this link, you can easily check your balances, make transfers, and pay bills all with just a few clicks. Our 24/7 online banking services ensure you can access your money anytime, so you're never left waiting. Need to send money to a friend? Our person-to-person transfer feature allows you to quickly and securely send funds directly from your account without hassle. Plus, with the convenience of mobile payments available, you can make purchases using just your smartphone no cash or cards needed. For those who prefer managing their accounts on-the-go, our mobile application provides an intuitive interface that makes banking simple and efficient. Whether you're checking transactions or transferring money, everything is just a tap away.

Financial Strength

Commitment to Growth

Our commitment to innovation is evident with $22,476,376 in undivided earnings that allow us to reinvest in improved banking tools and enhanced security measures. This means that as we grow financially, so do the benefits you receive as a member.

Dedicated Team Ready to Assist You

We take pride in having 74 full-time employees and 7 part-time employees who are always ready to serve you with a knowledgeable, committed team. Whether you have questions about your accounts or need assistance with loans, we're here for you.

Growing Together

Our strength is also shown through our growing membership base, with a total of 51,289 share accounts that reflect the trust our community places in us. This trust fuels our mission to provide exceptional service and support for every member's journey towards financial success. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Cloud Financial is your trusted partner. Visit us at 5600 La Centre Ave Ste 100 Albertville Mn 55301 or call (763) 777-9360 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Centric Savings Options

We prioritize your savings by securing them through $121,189,428 in share certificates and $43,113,851 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, our focus remains on benefiting our members first. With non-member deposits at $0, we ensure our resources are directed toward better loan rates, lower fees, and exclusive perks for you.

Strong Financial Health

With a net worth of $27,252,381, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $737 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

With $7,081 in used auto loans and $314,453,763 in total loans and leases, our lending capacity supports your financial ambitions across various sectors. Our operational efficiency is reflected in our $834,565, enabling us to keep offering competitive loan rates and solid financial products tailored to your needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $80,008,033 in used vehicle loans and $20,291,556 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $34,706,929 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are here to support you with financing options that align with your business goals.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,950,729 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs designed to enhance your purchasing power while keeping costs manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,571,221, make buying or refinancing simple. We offer various mortgage solutions tailored to your situation so you can secure the home you've always wanted.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility for new lending options, we encourage you to reach out. Our team is ready to discuss available opportunities tailored to your specific needs. At St. Cloud Financial located at 5600 La Centre Ave Ste 100 Albertville Mn 55301, we prioritize member satisfaction and strive to provide transparent and straightforward financial services. For more information or assistance with your loan application process, don't hesitate to give us a call at 763-777-9360. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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